Zhongyuan Bank's five-year first-phase interest rate was raised from 5.63% to 5.88%, and the second-phase interest rate was raised from 5.88% to 6. 12%. With regard to housing loans, if customers apply for personal housing provident fund loans, the benchmark interest rate of central bank loans will be implemented. Among the benchmark interest rates of central bank loans announced by the People's Bank of China, the annual interest rate of provident fund loans for more than five years is 3.25% (the interest rate of the second set of housing provident fund loans is 1. 1 times of the benchmark interest rate).

However, if the customer handles personal commercial housing loans, the interest rate is formed by adding LPR (quoted interest rate in the loan market) as the pricing benchmark. Among them, the LPR quotation is: 4.65% for more than 5 years; As for the basic point, different banking regulations may be different in different regions.

However, it should be noted that the People's Bank of China has clearly determined that the minimum interest rate of the first set of housing commercial loans shall not be lower than LPR；; Concurrent; The lowest interest rate of the second set of commercial housing loans shall not be lower than LPR plus 60 basis points (one basis point is equal to 0.0 1%).

Local governments will generally make corresponding adjustments on this basis. For example, Beijing stipulates that the minimum interest rate of the first set of housing commercial loans is LPR+55 basis points; The lowest interest rate for commercial loans for second homes is LPR+ 105 basis points.